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Tax Intelligence3 Core Guides

Tax Optimization & Capital Gains for Investors

Navigate Old vs New tax regimes, Section 80 deductions, and equity capital gains taxation.

Taxes are one of your largest lifelong expenses. Explore the legal frameworks of Sections 80C, 80D, NPS Section 80CCD(1B), and the latest LTCG/STCG equity and debt mutual fund tax regulations to preserve your compounded returns legally.

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Featured Cornerstone Guide
Beginner• 6 min read

Income Tax Basics for Indian Salaried Investors

Understand tax slabs, deductions, TDS, advance tax, and capital gains rules without accounting jargon.

Core Takeaway:Income tax in India is levied on your total income from salaries, business/freelancing, capital gains, house property, and other sources. Salaried taxpayers can choose annually between the New Tax Regime (lower tax slab rates, zero deductions) and the Old Tax Regime (higher tax slab rates, with Section 80C, 80D, HRA deductions). Understanding your capital gains exemptions allows you to legally keep more of your investment profits.
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All Educational Guides in Tax

3 Guides Available
Beginner 6 min

Income Tax Basics for Indian Salaried Investors

Understand tax slabs, deductions, TDS, advance tax, and capital gains rules without accounting jargon.

Read full guide
Practical 5 min

New vs Old Tax Regime: Which Serves Salaried Investors Better?

Evaluating deductions (HRA, 80C, Home Loan Interest) against lower slab rates under Section 115BAC.

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Intermediate 5 min

Understanding LTCG and STCG Tax on Equity and Mutual Funds

How the ₹1.25 Lakh annual LTCG exemption works and why frequent fund churning incurs unnecessary tax friction.

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Related Calculators for Tax

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Frequently Asked Questions

Common Questions About Tax

How are equity mutual funds taxed in India?

Gains held for more than 12 months are classified as Long-Term Capital Gains (LTCG) and taxed at 12.5% on gains exceeding ₹1.25 Lakhs per financial year. Units redeemed within 12 months are classified as Short-Term Capital Gains (STCG) and taxed at 20%.

Should salaried professionals choose the New or Old Tax Regime?

Under the New Tax Regime (Section 115BAC), tax slabs are lower, but common deductions (80C, HRA, 80D, home loan interest) are unavailable. If your total eligible deductions exceed ₹3.75 to ₹4 Lakhs, the Old Regime may save more tax; otherwise, the New Regime is typically more beneficial.

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Mutual Funds →Investing →Personal Finance →
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